Other than my helmet and padded shorts, most things I wear on a bike are not bike specific. Not even the SPD shoes and the MagicShine bar lights. When it comes to gloves and hats, they are
going to get lost, because they go everywhere, everyday, and eventually need to be replaced. So (for me) they can't be bankbreaking to replace. I've lost
these gloves after two years, and they are even cheaper now than when I bought the first pair! With the coupon they're like $15 and they are seriously warm. Not -30 warm but they are up (down) to anything that will be experienced in the Pacific Northwest. A thin liner should get them down to any temperature it is safe to ride a bike in. They don't say it but they are quite water resistant. That's why I like them. It rains a lot in Portland, OR. Even after 30min in the most soaking rain you can imagine your hands only get a little damp and they will stay warm.